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    Can shops charge an extra fee for paying by card in Finland?

    What the rules say about card fees and payment discounts.

    Answered at: Checked at:

    Short answer

    Not for ordinary cards. The Finnish Competition and Consumer Authority says a business may not charge an extra fee for using the most common payment cards, such as consumer debit and credit cards, or for SEPA credit transfers. EU rules on card surcharges apply both in shops and online.

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    Why

    1. KKV says businesses cannot charge extra for the most common payment cards.
    2. KKV says the same applies to SEPA credit transfers.
    3. Your Europe says surcharges on consumer card use are not allowed in the EU, in shops or online.

    Details

    A business may still offer a discount for a cheaper payment method. A discount is allowed, while an extra fee on common cards is not.

    Tip

    If you are charged a card fee, ask for a receipt that shows it and contact the business or the Consumer Advisory Services.

    What may differ

    Some business cards and less common payment methods are outside the ban. The rules depend on the card type.

    Common misconception

    Small cafes in Finland can add a fee if you pay by card.

    What actually happens

    No extra fee is allowed for the most common consumer cards, whatever the size of the business.

    People also ask

    • Can a shop refuse cash in Finland?
    • Should I pay in euros or my home currency?
    • What is the contactless limit in Finland?

    Sources

    This answer is for reference only. Payment rules and fees change, so check the official sources or your bank before you pay.

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